Retirement Decumulation Reference

US retirement decumulation and early-access-penalty rules with a California overlay. All three versions answer from the same SHA-256 sealed, source-cited corpus -- what changes between them is who composes the answer.

How the three versions differ

v1 · Deterministic
The sealed module itself answers. No model involved, no key needed.
v2 · AI-routed
A model picks the right sealed entry and explains it, but never writes the facts. Falls back to keyless exact-match.
v3 · AI-composed
Your chosen LLM writes the answer from the corpus, with an optional flagged web-search fallback.

Which versions need an API key

v1 needs nothing — it answers from a sealed, source-cited module with no AI in the path. v2 and v3 hand your question to a large language model to do the reasoning, and that runs on a paid API, so they need a key: optional in v2, which still works keyless in exact-match mode, and required in v3, where the model composes every answer.

Use a key from your own OpenRouter account, or ask for a short-lived trial key to try it: chi@aiskilldojo.com. Keys are entered in the tool itself and billed to your own OpenRouter account, never by this site.

v1 -- Deterministic

Every answer comes straight from a SHA-256 sealed, source-cited module that refuses to run if tampered with. No AI in the path at all, so the same question always returns the same answer. This is the baseline the other two are measured against.

No API key needed Educational - not advice

v2 -- AI-assisted (AI-routed)

The same sealed reference plus an optional bring-your-own-key AI assistant: the model semantically routes your question to sealed, source-cited entries and explains them -- it never answers on its own. Works keyless in exact-match mode.

Optional BYO key Educational - not advice

v3 -- AI-composed

The same sealed corpus, but YOUR chosen LLM composes every answer -- with an optional, heavily flagged reduced-confidence web-search fallback. Bring your own key; compare directly against v1 (deterministic) and v2 (AI-routed).

BYO key required Educational - not advice